Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Brooklyn Lowery, CardRatings.comThe key with the Capital One Spark Cash Plus card is fiscal discipline and enough spending to fully maximize the card’s bonus opportunities and earn plenty of rewards. If you run a tight budget and can pay your balance in full and on time each month, this can be an excellent card for your business....
- Ben Schlappig, One Mile at a TimeThe Capital One Spark Cash Plus is a lucrative business card that offers 2% cash back on all spending with no foreign transaction fees, a $150 bonus when you spend $150,000 on the card in a year (essentially a refund of the annual fee), and has no pre-set spending limit. If you spend a lot on your b...
- Stella Shon, The Points GuyWith a simplified 2% earnings rate on all purchases, the Spark Cash Plus is a solid contender if you're a business owner looking for an easy return. However, if you want to get into the frequent flyer rewards game, then there are other business cards that could be a better fit.
- Garrett Yarbrough, BankrateIf you're a big spender looking for a low-maintenance business rewards card with a reasonable annual fee, the Spark Cash Plus is worth a look.
- Nouri Zarrugh, CreditCards.comThe Spark Cash Plus card is a terrific option for small-business owners looking for a simple way to earn cash back on almost everything they buy. It should be an especially great fit for heavy spenders thanks to its annual fee refund and flexible spending limits, but the card’s generous flat cash ba...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
|
| Balance Transfer Interest Rate |
|
| Cash Advance Interest Rate |
|
| Rates & Fees | |
| Annual Fee |
$150.00 Refunded every year you spend at least $150,000 |
| Balance Transfer Fee | |
| Cash Advance Fee | |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
2.99% Monthly late fee |
| Promotions | |
| Sign up bonus |
$2,000 after spending $30,000 On purchases within the first 3 months |
| Rewards | |
| All Purchases | 2% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
Earn an annual $200 cash bonus every year you spend $200,000 or more. |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | Yes |
| Additional Benefits |
Roadside Assistance |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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